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time to recover without the ravishing of the winter months. if we have a northeastern, our defenses are so down that it would be like a person's immune system being susceptible to any type of illness. thirdly, we come with less than 30 days to the end of the congress. have to be done. i feel like i have to be houdini to accomplish this. we will do this. i look forward to your work and help. thank you for your indulgence. >> i would note that the senator will chair a subcommittee in new jersey next monday, december 10, on super storm sandy. >> thank you for joining us. i would like to understand better an aspect of the review. the question that i have arises from the interest-rate assumptions and the environment that is used to determine the prevailing view about the value of the mutual mortgage insurance fund. more specifically, you observe the fact that, the lower the interest-rate environment, -- he walked through the mechanisms by which lower interest rates, while good for the economy overall, tend to have an adverse affect on the fund. my understanding is the review contemplates
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